Blackjack splitting: when to split. What to keep.

Splitting turns two matching cards into two separate hands. Add a second bet equal to your first, then play each hand against the same dealer.

With no surrender in this six-deck game, split aces and eights and keep tens and fives together. The other pairs depend on the dealer’s upcard, and on whether you can double after splitting.

Two bets. Two outcomes. One decision to make first.

The answer for your hand

Split this pair, or keep it?

Pick your pair and the dealer’s face-up card. You get the play, the reason and the rule that matters.

Double after split allowed

Six decks · dealer checks for blackjack · double on any first two cards.
Dealer stands on soft 17 · no surrender

Dealer soft 17 and surrender

Late surrender happens after the dealer checks for blackjack. With H17 and late surrender, 8,8 against an ace becomes a surrender.

8,8 against 10 · DAS · S17

Split your eights

Splitting returns −$4.85 per $10 on average, hitting −$5.35: a losing spot either way, and the split loses less.

Add one equal bet. Both hands can still lose.

Common questions:
When does this answer apply?

It is basic strategy for your first two cards, solved for the exact pair in a six-deck game where the dealer checks for blackjack, so against a 10 or an ace the dealer has already ruled out a natural. Split hands can be hit and, with DAS, doubled; split aces get one card each. It is not a card-counting tool. No-hole-card games, single decks and variants need their own chart.

Follow the two bets

One $10 bet becomes two $10 hands.

You add a new $10 bet; you do not split your first $10 in half. Each hand is settled separately against the dealer.

You start with
88$10

Add another $10 to split.

Hand one
8?$10
Hand two
8?$10
Total at stake$20
Total returned$20
Net result$0

One $10 win and one $10 loss cancel out: no profit or loss.

A double adds another $10 to that hand and limits it to one more card.

These are payout examples, not dealt cards. Ordinary wins pay even money: a winning hand returns its stake plus the profit, a push returns its stake. An ace and a ten after a split pay as an ordinary 21, not a 3-to-2 blackjack.

At the table or online

How to split a pair.

You need another full bet, and you choose before hitting.

  1. Check your first two cards.

    You need a pair, such as 8 + 8, and the dealer’s upcard in view. A three-card 16 cannot be split.

  2. Add an equal bet and say “split”.

    Place another $10 beside your $10 bet and let the dealer separate the cards. Online, the Split button takes the extra bet.

  3. Play the two hands in order.

    Finish the first hand, then the second; each settles on its own. Split aces usually get one card each.

Split makes another hand. Double raises the bet on one hand and commits you to one more card. Double after split lets you do both in one round.
The hands worth understanding

Same-looking cards. Very different decisions.

Six decks, dealer checks for blackjack, no surrender, double after split unless stated. Figures are per $10 of the original bet.

A fresh start

Aces against a dealer 6

AA vs 6

Split.

Together they are a soft 12. Apart, each ace gets a new partner: splitting returns +$6.81 per $10 against +$1.89 for hitting.

A split ace and a ten is an ordinary 21, paid even money.

Lose less

Eights against a dealer 10

88 vs 10

Split.

Hard 16 is the worst total in the game. Splitting returns −$4.85 per $10, hitting −$5.35: a losing spot either way, and the split loses less.

The best play does not mean a likely win.

Keep a useful total

Nines against a dealer 7

99 vs 7

Stand on 18.

Eighteen already beats a dealer’s 17. Standing returns +$3.99 per $10, splitting +$3.69.

Make the dealer’s card an 8 or a 9 and it becomes a split.

Play the pair as ten

Fives against a dealer 6

55 vs 6

Double; hit if you cannot.

The useful thing is the total of 10. Doubling returns +$5.98 per $10; splitting into two hands from five, +$0.93.

No DAS does not stop you doubling the unsplit 5 + 5.

The table rule matters

Fours against a dealer 6

44 vs 6

Split with DAS. Hit without it.

A hand from a four can turn into a double. With DAS, splitting returns +$1.60 per $10 against +$1.25 for hitting; without it, the split drops to +$0.33.

The same applies to 4 + 4 against a dealer 5.

Protect a strong hand

Tens against a dealer 6

1010 vs 6

Stand on 20.

A weak dealer card does not make every split good. Standing returns +$7.03 per $10; splitting +$5.66.

The same for J + J, Q + Q, K + K and mixed tens.

Every pair, in plain English

DAS means double after split. The last column covers the dealer cards outside the splitting range.

Pair splitting · 6 decks · dealer checks for blackjack · no surrender · the same for S17 and H17
Your pairSplit with DASSplit without DASOtherwise
A,A2–A2–ASplit against everything
2,22–74–7Hit
3,32–74–7Hit
4,45–6NoneHit
5,5NoneNoneDouble against 2–9; hit against 10 and A
6,62–63–6Hit
7,72–72–7Hit
8,82–A2–ASplit against everything
9,92–6, 8 and 92–6, 8 and 9Stand against 7, 10 and A
10,10NoneNoneStand

10 includes J, Q and K. With late surrender and a dealer who hits soft 17, 8,8 against an ace becomes a surrender; everything else holds under both dealer rules.

Both DAS settings and the exceptions on one sheet.
Why the move makes sense

Sometimes splitting wins more. Sometimes it loses less.

A pair gives you a choice: keep the total you have, or add a bet and start two new hands. The right comparison counts both split hands and the extra money at risk.

With two eights against a ten, every play loses on average. Splitting is still the best of them: the two new hands together lose less than hitting the 16.

With two tens against a six the logic reverses. Your 20 is already strong; two new hands can both win, but breaking the 20 gives up value.

“Better” does not mean “safe”. Splitting can improve the average result while putting more money at risk. Two losing $10 hands still cost $20.

Across the whole game the option is worth about half a percent of every bet: the same six-deck game costs 0.97% with splitting forbidden and 0.46% with it allowed. The house edge calculator prices it against every other rule.

Average net result per $10 original bet. Six decks, dealer stands on soft 17, double after split, these exact cards.

Hit the 16−$5.35
Split the pair−$4.85

Splitting cuts the average loss by about $0.50 per $10 bet in this spot.

A split commits at least $20. Its average counts both hands and any doubles they can take. Not a single-hand payout.

How to read these numbers

Solved by our engine from the exact pair and upcard with a full six-deck shoe, dealer blackjack ruled out. The split figure counts both hands and the doubles they are allowed; the keep figure is the best of standing, hitting and doubling the pair as it is. They are averages over repeated identical situations, per $10 of the original bet, not a forecast for the next hand.

Read the rules before the chart

Six details that can change the answer.

Double after split
DAS lets a hand made by a split take a double. It adds seven splits to the chart: twos and threes against 2 and 3, fours against 5 and 6, sixes against 2. Without it, hit those. The rule is worth about 0.12% of every bet; the house edge calculator prices it with the rest.
Split aces
Each split ace usually gets one card and stops. An ace and a ten after a split is an ordinary 21, paid even money. Whether you can split again if another ace arrives is a separate table rule.
Resplitting and the extra bets
Draw another matching card and most tables let you split again, usually up to four hands. Each new hand needs another full bet: from $10, four hands are $40 before any double.
Which cards count as a pair
Matching ranks always do. Some tables let you split any two ten-value cards, such as a queen and a king; others want the same rank. Keep all of those 20s either way.
Surrender changes one cell
The chart assumes no surrender. With late surrender and a dealer who hits soft 17, surrender 8,8 against an ace: it returns −$5.00 per $10 against −$5.19 for splitting. Where the dealer stands on soft 17, split: −$3.85. The surrender guide has every hand priced.
Dealer blackjack after you act
The chart assumes the dealer checks for blackjack before you play, so a split bet is never lost to a dealer natural. In a no-hole-card game where a dealer blackjack takes every bet, splitting against a 10 or an ace risks the extra bet too; the chart is not solved for that game.
Avoid the expensive shortcuts

Five splitting mistakes to leave behind.

  1. Splitting every pair you are allowed to. Permission is not a recommendation. Read the pair and the dealer’s card together.
  2. Treating 8,8 like any other 16. Two eights can be split; 10 + 6 cannot. Against a ten the split loses $0.50 per $10 less than hitting.
  3. Forgetting the DAS rule. Fours against a six are a split with it and a hit without it.
  4. Assuming two hands means twice the chance of profit. Both are real bets. One win and one loss cancel out; two losses cost $20.
  5. Judging the decision by the next card. A correct split can lose. Judge the decision before the result.
Make the decision yourself

Six pairs. What is your play?

The pairs people hesitate over. The double-after-split rule is shown on each hand, and every answer comes with the numbers.

No money involved. Six decks, dealer checks for blackjack, dealer stands on soft 17, no surrender. Want more than six? The basic strategy trainer deals hands for as long as you like.

Hand 1 of 6Double after split allowed
Your pair
88
vs
Dealer
10

What would you do?

Straight answers

Still have a splitting question?

When should you split in blackjack?

Match your pair, the dealer’s upcard and the table rules in the table above or the checker. The recommended split has the best average result; it can still lose.

Should you always split aces and eights?

In the six-deck game where the dealer checks for blackjack and there is no surrender, yes. With late surrender and a dealer who hits soft 17, 8,8 against an ace is a surrender, and no-hole-card games differ too.

Why don’t you split nines against a 7?

You already have 18 against a dealer who makes 17 most often. Standing returns +$3.99 per $10, splitting +$3.69. Split nines against 2 to 6, 8 and 9.

Do you split fives or tens?

No. Play fives as a hard 10: double against 2 to 9, otherwise hit. Stand on any pair of tens; against a six, standing returns +$7.03 per $10 and splitting +$5.66.

Can you split after you hit?

No. You need a two-card pair. A matching card dealt to a split hand may let you split again.

Can you hit or double after splitting?

You can usually hit a split hand. Doubling needs the DAS rule. Split aces normally stop after one card, whatever the other rules say.

Does 21 after a split pay 3 to 2?

Normally not. A split ace and a ten is an ordinary 21 and wins even money; only the first two cards of a hand can be a natural.

How much can you lose after splitting?

Every bet you placed. Two $10 hands can lose $20; double both and it is $40; splitting again adds more. The worked example above separates the chips returned from the profit or loss.

Can you split a king and a queen?

At tables that accept any two ten-value cards, yes; at tables that want the same rank, no. Either way, stand on the 20.

What if I cannot afford the extra bet?

Then you cannot split; play the total. With 8,8 against a 10 that means hitting the 16, which costs about $0.50 per $10 against the split. Leave room for splits and doubles when you pick a bet size.

The pair, settled

Aces and eights. Then the dealer’s card.

Two bets, two hands, and a short list that covers most of it.

01

Always aces and eights, never tens and fives

Aces escape a soft 12; eights escape the worst total in the game. A 20 is already made, and two fives are a hard 10 that doubles.

02

The rest depend on the upcard

Twos, threes and sevens split against 2 to 7; sixes against 2 to 6; nines everywhere except a 7, 10 or ace; fours only against a 5 or 6.

03

Double after split moves seven cells

Without it, twos and threes wait for a 4, sixes for a 3, and fours never split. Check the rule before you sit; it is worth about 0.12% of every bet.